Anja Kerstens

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FIRST TIME HOMEOWNERS can now benefit from new tax benefits approved in the AMERICAN RECOVERY AND REINVESTMENT ACT OF 2009

The $10,000 tax credit for buyers of brand new buildings is no longer available because the fund has been exhausted. If you want answers to your questions feel free to contact me. You can always visit my blog for more information on this and other topics or to search for properties.

The deadline for property tax appeal was August 15, 2009.

Great websites with helpful information for buyers:

Freddie Mac
US Department of Housing and Urban Development
Federal Housing Administration (FHA)
Calculate how much home you can afford.

Great websites with helpful information for sellers:

Find out if you are eligible for a loan modification.
Loan Modification frequently asked questions.
Find out if Freddie Mac owns your loan. You may be eligible for a loan modification.

There are many companies offering to help with loan modification. Be careful and don't pay anything upfront. Reputable companies will not require this. Be aware of mortgage fraud.

Information on Gilroy Schools

Gilroy Unified School District
State of California Department of Education
More on Gilroy schools
Information on Morgan Hill public schools

Foreclosures:

Article on California Foreclosures

Contact information for LOAN MODIFICATION:

Lender Contact Info

Loan Modification Phone Numbers

ABN AMRO Mortgage (800) 783-8900

Accredited Home Lenders( 877) 683-4466

AMC Mortgage Services (800) 211-6926

American Home Mortgage Corp. (877) 304-3100

Ameriquest Mortgage (800) 211-6926

Bank of America (800) 846-2222

BB&T Mortgage (800) 827-3722

AmTrust Bank 888 696-4444

Beneficial (800) 333-5848

Central Pacific Bank (800) 342-8422

Charter One (800) 234-6002

Chase (800) 446-8939 Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service) Chase Manhattan Mortgage (800) 446-8939

Citi Financial Mortgage (800) 753-3673

Citimortgage (800) 283-7918

Countrywide (800) 262-4218

Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp.(800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004

EverBank (800) 669-7724 ext. 4730

Equity One (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank (800) 375-1745 Option 3

First Merit Bank 888 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Mortgage (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383

Green Tree (877) 816-9125

Homecomings Financial (800) 850-4622*

Household Finance (800) 333-5848

HSBC Mortgage (800) 338-6441

Huntington National Bank (800) 323-4695

Indymac Bank (877) 736-5556 Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665

Mortgage Electronic Registration Systems 888 679-6377

National City (800) 367-9305, Ext. 53221 or (800) 523-8654 790-9502 or (877) 206-9904

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Option One (866) 711-1962 or (888) 275-2648 Web:

PHH Mortgage (Formerly Cendant) (800) 257-0460 For borrowers facing possible delinquency: (800) 330-0423* For borrowers in the foreclosure process: (800) 750-2518

Sun Trust Mortgage (800) 634-7928

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance